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BofA Just graduated !!!

freakyfico
Established Member

BofA Just graduated !!!

My 300 secured card Just graduated about 1 month ago, but I didnt get a Cli so I called today and was told If it didnt automatically get one than I would have to wait 6 mo. then call and try... That didnt sound right so I called back and talked to someone different and in like 2 min I got a 1000 dollar increase like no problem... No hard hit either :-) I guess it depends on who you talk to ??
EQ 689 TU 687 EX 654 Amex Business Platinum .... All I Need !!

Message 1 of 17
16 REPLIES 16
tonsers
Frequent Contributor

Re: BofA Just graduated !!!

Sometimes it pays to be persistant!   Good for you - congrats on your unsecured card!  Smiley Happy
Message 2 of 17
hopefulinde
Valued Member

Re: BofA Just graduated !!!

How did you find out it unsecured?
Message 3 of 17
freakyfico
Established Member

Re: BofA Just graduated !!!

I had received a letter in the mail telling me that I would get my deposit back in 14 days. Thats about all it said :-)
EQ 689 TU 687 EX 654 Amex Business Platinum .... All I Need !!

Message 4 of 17
bamagirl1
Established Contributor

Re: BofA Just graduated !!!

did u app for another card and then get offered the secured or did you apply for the secured card outright? i'm considering the secured bc i have a prev bk (which did NOT include boa)just to get in the door i guess, also do they do a hard inquiry if you only apply for the secured card?
Message Edited by bamagirl1 on 12-09-2008 07:17 AM
~01/2008 Ficos TU 571-EX 647-EQ 652~
~3/21/2009 Ficos TU 705 EX 702 EQ 692~
~9/9/09 Ficos TU 718 EQ 693 EX???
~06/25/12 Ficos TU 719 EQ 677 EX??
Message 5 of 17
woopah
Established Contributor

Re: BofA Just graduated !!!


@bamagirl1 wrote:
did u app for another card and then get offered the secured or did you apply for the secured card outright? i'm considering the secured bc i have a prev bk (which did NOT include boa)just to get in the door i guess, also do they do a hard inquiry if you only apply for the secured card?
Message Edited by bamagirl1 on 12-09-2008 07:17 AM

 

Not sure if you've already gotten your answer, but I have heard, not experienced, that you can't apply for the secured card.  I've heard you have to apply for an unsecured card and then get declined and offered the sercured BoA

4/16/09: TU: 775, EQ: 805
2/11/09: TU: 773, EQ: 790, EX:790
11/16/08: TU: 773, EQ: 785, EX: 780
Goals for 2009: 0 Credit Card Debt & 0% Util (achieved 2/6/09), Mortgage! (achieved 11/2/09), getting closer to 800 scores (I crossed this earlier this year, but I'm sure I'm not there anymore!)
Message 6 of 17
MsKiwi
Established Contributor

Re: BofA Just graduated !!!


@woopah wrote:

@bamagirl1 wrote:
did u app for another card and then get offered the secured or did you apply for the secured card outright? i'm considering the secured bc i have a prev bk (which did NOT include boa)just to get in the door i guess, also do they do a hard inquiry if you only apply for the secured card?
Message Edited by bamagirl1 on 12-09-2008 07:17 AM

 

Not sure if you've already gotten your answer, but I have heard, not experienced, that you can't apply for the secured card.  I've heard you have to apply for an unsecured card and then get declined and offered the sercured BoA


I think you are referring to the 99/500 card. You can apply for a BOA fully secured without apping for an unsecured card.

Message 7 of 17
MsKiwi
Established Contributor

Re: BofA Just graduated !!!

Congrats Freaky!
Message 8 of 17
ottergo4
Contributor

Re: BofA Just graduated !!!

    I agree with MsKiwi. Just go to their website where it will list the fully secured as a stand alone offer. The 99/500 from what I've heard is only offered after being declined for a regular unsecured, and is not offered to everyone. And yes there is a hard inquiry,mine and I think almost everyone else's was on EX.
Message 9 of 17
fender
Established Contributor

Re: BofA Just graduated !!!

I got the partially secured card (99/500) after being declined for the platinum plus card.  I would think if you apply for secured card it would give it to you, rather than offer you a better 99/500?   Not sure...
"WTB Access Number"
Message 10 of 17
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